The following is general information regarding automobile coverage. Each policy will be written to best meet your needs.

Michigan Law requires that you carry No-Fault insurance on every car or truck that you own which is licensed for road use.

Bodily Injury, Property Damage, Uninsured Motorist, Underinsured Motorist, Personal Injury Protection, Property Protection Insurance Coverage, Comprehensive Coverage, Standard Collision Coverage, Broad Form Collision Coverage

Bodily Injury

This coverage pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy. This coverage is mandatory under Michigan Law.

Property Damage

This coverage pays for the destruction that you caused to another person’s out-of-state property. This coverage is mandatory under Michigan Law.

Uninsured Motorist

This coverage pays for injuries you sustain if you are involved in an accident with someone without automobile insurance.

Underinsured Motorist

This coverage pays for injuries you sustain if you are involved in an accident with someone whose limits are too low to cover your injuries.

Personal Injury Protection

This coverage pays for medical bills you incur as a result of an accident regardless of who is at fault. This coverage is mandatory under Michigan Law.

Property Protection Insurance Coverage

Provides coverage to other peoples property caused by your auto. This coverage is mandatory under Michigan Law.

Comprehensive Coverage

Provides coverage if your car is stolen, collides with an animal or is accidentally damaged by falling objects, fire, flood, or vandalism.

Standard Collision Coverage

Provides coverage to pay for repairs to your vehicle if it is damaged in an accident. With Standard Collision, you must pay your deductible whether you are at fault or not.

Broad Form Collision Coverage

Provides coverage to pay for repairs to your vehicle if it is damaged in an accident. If you are not at fault, you do not have to pay your deductible.

Bailey Insurance Agency
512 W. Buttles • Midland, MI 48640
(989) 631-3511 • (800) 257-7055